Roth vs. Traditional IRA Comparison
Investing & MarketsCompare the projected after-tax value of a Roth IRA versus a Traditional IRA at retirement.
Traditional IRA (After-Tax Value)
Projected after-tax value of a Traditional IRA, taxed upon withdrawal at your expected retirement tax rate.
Roth IRA (After-Tax Value)
$345,340
Projected after-tax value of a Roth IRA, contributed with after-tax dollars today and withdrawn tax-free at retirement.
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Frequently Asked Questions
What is the core difference between Roth and Traditional IRA?
Traditional IRA contributions are typically tax-deductible now with withdrawals taxed in retirement, while Roth IRA contributions use after-tax dollars now but qualified withdrawals in retirement are completely tax-free.
Which option is generally better?
It depends heavily on whether you expect your tax rate to be higher or lower in retirement than it is now — a Roth tends to favor those expecting a higher future tax rate, while Traditional tends to favor those expecting a lower future rate.
Are there income limits for contributing to a Roth IRA?
Yes, in the US, Roth IRA eligibility phases out above certain income thresholds that are periodically adjusted, so high earners should check current limits, while Traditional IRA contributions have separate rules around deductibility.
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